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Buying workers' compensation in Virginia

Who needs to be covered by the policy, where you can buy it and how much it will cost are all mandated or influenced by state law. Your business must comply with the states where your employees perform work - not necessarily where the business was founded or is based. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.

Virginia

Here's what you need to get started

To buy workers' compensation
insurance, you need to request
a quote from a licensed insurance
agent and provide some details
about your business.Here's what to have in front of you:

Number of employees in each class code

Total payroll for all employees
You may be able to exclude yourself
if you don't wish to be covered under
the policy.Learn more about this >>

Federal ID Number
If you are a sole proprietor, you can
use your Social Security Number

Copy of your workers' comp
insurance policy, if you've had
coverage or claims in the
past few years
If you know your company's
experience mod, please have your
experience mod rating sheet or policy
in front of you. Otherwise, you will
be assigned a default rating of 1.0.

You’re going to work for someone else. Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor?10 ways to tell >>

Other regulations that may affect you:

Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

WHERE TO GET IT

Virginia has a private market, meaning that you can purchase workers' compensation insurance from any private insurance carrier or agency that is licensed to write in that state. WorkCompOne can write workers' compensation policies in any U.S. state except those that practice state-run workers' compensation (Ohio, Washington, North Dakota and Wyoming). Get started on a policy with WorkCompOne >>

If you’re still having trouble, you can contact Virginia's assigned risk pool, which will help you find coverage.

FACTORS THAT IMPACT COVERAGE

You are a sole proprietor or partner: In Virginia, you are excluded from coverage but have the option to include yourself.

You are a corporate officer: Virginia includes you in coverage, but you have the option to partially exclude yourself; that is, you may reject workers' compensation coverage for accidents, but not for occupational diseases. To reject accident coverage, please file a "Notice of Rejection" with the insurer and with the Virginia Workers’ Compensation Commission.

You are a member of an LLC: You are excluded from coverage but may include yourself.

OTHER TIPS

If you employ workers in multiple states or your employees are temporarily working
out-of-state, you need to purchase insurance for all the states where your workers are located,
according to each state's laws.Call 1-800-416-0285 and let us walk you through it.